The Fair Credit Reporting Act is the law that controls credit reporting companies. The law states that credit reporting companies may not report a bankruptcy case on a person's credit report after ten years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681c.
The Bankruptcy Court does not control credit reporting companies or report or transmit information to them. Bankruptcy records are public. Credit reporting companies may collect those records and report them. You must directly contact the credit reporting company directly to discuss information on your credit report. If you have questions about this process or have issues gaining cooperation from a credit company, you should contact the Federal Trade Commission at 1-877-382-4357.
